Can I retire at age 35 with 1,510,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$124,694$123,584$122,500$121,442$120,410$119,053
2 years$61,730$60,580$59,466$58,386$57,338$55,972
3 years$40,744$39,590$38,478$37,408$36,377$35,045
4 years$30,254$29,103$28,002$26,951$25,945$24,656
5 years$23,961$22,817$21,731$20,701$19,723$18,481
6 years$19,767$18,632$17,562$16,554$15,606$14,413
7 years$16,773$15,647$14,594$13,610$12,692$11,549
8 years$14,528$13,412$12,377$11,417$10,529$9,435
9 years$12,783$11,678$10,660$9,725$8,867$7,822
10 years$11,388$10,293$9,294$8,383$7,555$6,558
11 years$10,247$9,164$8,182$7,296$6,498$5,548
12 years$9,297$8,225$7,261$6,399$5,631$4,727
13 years$8,494$7,433$6,488$5,650$4,910$4,052
14 years$7,806$6,756$5,829$5,015$4,304$3,490
15 years$7,211$6,172$5,263$4,473$3,790$3,018
16 years$6,690$5,663$4,772$4,005$3,349$2,619
17 years$6,231$5,215$4,342$3,598$2,970$2,279
18 years$5,823$4,819$3,964$3,243$2,641$1,989
19 years$5,459$4,466$3,629$2,930$2,354$1,739
20 years$5,132$4,150$3,330$2,654$2,102$1,523
21 years$4,836$3,866$3,063$2,408$1,881$1,336
22 years$4,568$3,608$2,823$2,190$1,686$1,174
23 years$4,323$3,375$2,607$1,994$1,514$1,033
24 years$4,099$3,162$2,411$1,819$1,361$909
25 years$3,893$2,967$2,233$1,661$1,224$801
26 years$3,703$2,789$2,071$1,519$1,103$707
27 years$3,528$2,625$1,923$1,390$994$624
28 years$3,365$2,473$1,788$1,274$897$551
29 years$3,214$2,333$1,664$1,168$810$487
30 years$3,074$2,204$1,549$1,072$732$431
31 years$2,942$2,083$1,445$985$662$381
32 years$2,819$1,971$1,348$905$599$337
33 years$2,704$1,867$1,258$832$542$298
34 years$2,596$1,769$1,176$766$491$264
35 years$2,494$1,678$1,099$705$444$234
36 years$2,398$1,593$1,028$649$403$207
37 years$2,308$1,513$963$598$365$183
38 years$2,222$1,438$901$551$331$163
39 years$2,141$1,367$844$508$300$144
40 years$2,064$1,301$792$469$272$128
41 years$1,992$1,238$742$433$247$113
42 years$1,922$1,179$696$399$224$100
43 years$1,857$1,123$653$368$203$89
44 years$1,794$1,071$613$340$184$79
45 years$1,734$1,021$576$314$167$70
46 years$1,678$974$541$290$152$62
47 years$1,623$930$508$268$138$55
48 years$1,571$887$477$248$125$49
49 years$1,522$847$449$229$114$43
50 years$1,474$809$422$212$103$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,510,000, adding $4,086 every year, while hoping to spend $24,927 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 47/42/11 Blend
34$1,510,000$1,510,000$1,510,000$1,510,000
35$1,668,235$1,588,205$1,564,800$1,741,367
36$1,811,873$1,639,505$1,590,698$1,843,528
37$1,969,326$1,692,483$1,616,629$1,951,429
38$2,141,978$1,747,195$1,642,567$2,067,968
39$2,331,351$1,803,699$1,668,485$2,193,957
40$2,539,124$1,862,055$1,694,354$2,330,289
41$2,767,144$1,922,325$1,720,144$2,477,943
42$3,017,446$1,984,573$1,745,822$2,637,999
43$3,292,272$2,048,864$1,771,354$2,811,644
44$3,594,093$2,115,267$1,796,704$3,000,182
45$3,925,629$2,183,854$1,821,832$3,205,049
46$4,289,877$2,254,697$1,846,697$3,427,826
47$4,690,140$2,327,871$1,871,256$3,670,252
48$5,130,053$2,403,457$1,895,463$3,934,239
49$5,613,626$2,481,534$1,919,268$4,221,894
50$6,145,274$2,562,186$1,942,621$4,535,534
51$6,729,859$2,645,501$1,965,466$4,877,711
52$7,372,742$2,731,567$1,987,746$5,251,234
53$8,079,826$2,820,479$2,009,401$5,659,195
54$8,857,618$2,912,332$2,030,365$6,104,999
55$9,713,284$3,007,226$2,050,572$6,592,393
56$10,654,723$3,105,263$2,069,949$7,125,507
57$11,690,635$3,206,551$2,088,423$7,708,885
58$12,830,607$3,311,199$2,105,912$8,347,532
59$14,085,203$3,419,323$2,122,335$9,046,961
60$15,466,064$3,531,039$2,137,603$9,813,243
61$16,986,013$3,646,471$2,151,624$10,653,064
62$18,659,184$3,765,745$2,164,300$11,573,787
63$20,501,146$3,888,993$2,175,530$12,583,525
64$22,529,059$4,016,349$2,185,206$13,691,212
65$24,761,827$4,147,955$2,193,215$14,906,690
66$27,220,285$4,283,956$2,199,439$16,240,798
67$29,927,387$4,424,502$2,203,753$17,705,480
68$32,908,428$4,569,750$2,206,026$19,313,890
69$36,191,281$4,719,862$2,206,122$21,080,521
70$39,806,661$4,875,004$2,203,895$23,021,338
71$43,788,411$5,035,350$2,199,197$25,153,930
72$48,173,826$5,201,079$2,191,867$27,497,674
73$53,004,001$5,372,378$2,181,740$30,073,919
74$58,324,223$5,549,438$2,168,642$32,906,184
75$64,184,392$5,732,459$2,152,390$36,020,384
76$70,639,498$5,921,647$2,132,793$39,445,069
77$77,750,137$6,117,218$2,109,651$43,211,695
78$85,583,081$6,319,391$2,082,754$47,354,921
79$94,211,912$6,528,398$2,051,883$51,912,934
80$103,717,713$6,744,476$2,016,808$56,927,810
81$114,189,836$6,967,871$1,977,287$62,445,908
82$125,726,742$7,198,840$1,933,069$68,518,310
83$138,436,933$7,437,647$1,883,890$75,201,301
84$152,439,975$7,684,566$1,829,475$82,556,897
85$167,867,625$7,939,882$1,769,535$90,653,434
86$184,865,077$8,203,891$1,703,769$99,566,210
87$203,592,330$8,476,896$1,631,860$109,378,194
88$224,225,699$8,759,216$1,553,479$120,180,808
89$246,959,482$9,051,179$1,468,282$132,074,793
90$272,007,787$9,353,124$1,375,907$145,171,154
91$299,606,560$9,665,406$1,275,979$159,592,209
92$330,015,808$9,988,390$1,168,103$175,472,744
93$363,522,055$10,322,455$1,051,869$192,961,280
94$400,441,045$10,667,996$926,847$212,221,481
95$441,120,724$11,025,420$792,588$233,433,689
96$485,944,522$11,395,151$648,625$256,796,632
97$535,334,978$11,777,627$494,468$282,529,299
98$589,757,719$12,173,304$329,606$310,872,998
99$649,725,864$12,582,655$153,506$342,093,644
100$715,804,866$13,006,168$0$376,484,259